Inflation Calculator

Free inflation calculator to see how prices change over time. Calculate future purchasing power, historical price equivalents, and the real return needed to beat inflation. Includes year-by-year value erosion tables and preset inflation rates.

What will your money be worth in the future?

Amount ($)

Annual Inflation Rate (%)

Number of Years

Quick Presets

Reference:Average US inflation (1926-2023): ~3.3% per year

Recent decades have varied: 1.5-2.5% (2010s), 2-4% (2000s), 5-8% (2021-2023 spike)

Real Value in 10 Years

$7,440.94

Your $10,000.00 will only buy what $7,440.94 buys today

Purchasing Power Lost

$2,559.06

25.6% of original value

Cost of Same Goods in 10yr

$13,439.16

What costs $10,000.00 today

Purchasing Power Erosion

Remaining Power: 74.4%

Lost: 25.6%

Year-by-Year Breakdown

Year	Nominal Value	Real Value	Power Lost
2027	$10,000.00	$9,708.74	$291.26
2028	$10,000.00	$9,425.96	$574.04
2029	$10,000.00	$9,151.42	$848.58
2030	$10,000.00	$8,884.87	$1,115.13
2031	$10,000.00	$8,626.09	$1,373.91
2032	$10,000.00	$8,374.84	$1,625.16
2033	$10,000.00	$8,130.92	$1,869.08
2034	$10,000.00	$7,894.09	$2,105.91
2035	$10,000.00	$7,664.17	$2,335.83
2036	$10,000.00	$7,440.94	$2,559.06

Value Erosion Over Time

2027

2028

2029

2030

2031

2032

2033

2034

2035

2036

Remaining Value

Lost to Inflation

Impact at Different Inflation Rates

2% / year

$8,203.48

3% / year

$7,440.94

Selected

5% / year

$6,139.13

7% / year

$5,083.49

10% / year

$3,855.43

How to Use Inflation Calculator

1Enter an amount and select the inflation rate.
2Choose calculation mode: future value, historical value, or required return.
3Set the time period in years.
4View the inflation-adjusted results and year-by-year table.

Frequently Asked Questions

What is the average inflation rate?▾

The US historical average inflation rate is approximately 3.3% per year. Recent years have seen higher inflation (6-9% in 2022), while the Federal Reserve targets 2% annual inflation.

How does inflation affect my savings?▾

If inflation is 3% and your savings earn 1%, you lose 2% purchasing power per year. $100,000 today would have the purchasing power of about $74,000 in 10 years at 3% inflation.

How can I protect against inflation?▾

Invest in assets that historically outpace inflation: stocks (7-10% avg return), real estate, I-bonds, TIPS, and commodities. Keep minimal cash in low-interest accounts.

About Inflation Calculator

NexTool's Inflation Calculator is completely free to use with no sign-up required. Your data is processed directly in your browser and never sent to our servers, ensuring complete privacy and instant results.